The Washington PostDemocracy Dies in Darkness

The surprising return of the repo man

May 15, 2018 at 6:44 p.m. EDT
Derek Lewis backs a car equipped with license-plate-recognition cameras out of the garage at Relentless Recovery in Cleveland before going out to scan for cars that need to be repossessed last month. (Dustin Franz/For The Washington Post)

CLEVELAND — The computer in the spotter car shouted “Hide!,” and repo agent Derek Lewis knew that meant to keep driving like nothing had happened. He’d just found another wanted vehicle. He was about to ruin someone’s day. Best not to draw attention.

It helped that he wasn’t in a tow truck, the stereotypical image of a repo man. Lewis drove a beat-up Ford Crown Victoria sedan. It had four small cameras mounted on the trunk and a laptop bolted to the dash. The high-speed cameras captured every passing license plate. The computer contained a growing list of hundreds of thousands of vehicles with seriously late loans. The system could spot a repossession in an instant. Even better, it could keep tabs on a car long before the loan went bad.